obnk: the income statement

MyFinsight

For the quarter ending 2025-09-30, OBNK made $276,730K in revenue. $8,623K in net income. Net profit margin of 3.12%.

Income Overview

Revenue
$276,730K
Net Income
$8,623K
Net Profit Margin
3.12%
EPS
$0.27
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest-bearing deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30
Interest and fees on loans	120,096
Investment securities-taxable	8,767
Investment securities-nontaxable	1,523
Interest and dividend income on assets held in other financial institutions	5,753
Total interest and dividend income	136,139
Interest-bearing deposits	51,026
Fhlb advances and other borrowings	273
Subordinated indebtedness	1,136
Total interest expense	52,435
Net interest income	83,704
Provision for credit losses	36,820
Net interest income after provision for credit losses	46,884
Revenue from contracts with customers-Products And Services Insurance Commission And Fees	6,598
Revenue from contracts with customers-Products And Services Deposit Service Fees	4,965
Other fee income	2,262
Mortgage banking revenue	726
Swap fee income	1,387
(loss) gain on sales of securities, net	0
Change in fair value of equity investments	6,972
Equity method investment (loss) income	550
Other income	2,668
Total noninterest income	26,128
Salaries and employee benefits	37,863
Occupancy and equipment, net	7,079
Data processing	3,526
Office and operations	3,184
Intangible asset amortization	1,583
Regulatory assessments	1,269
Advertising and marketing	1,524
Professional services	1,395
Electronic banking	1,470
Loan-related expense	979
Franchise tax expense	686
Other expense	1,470
Total noninterest expense	62,028
Income before income tax expense	10,984
Income tax expense	2,361
Net income	8,623

Basic earnings per common share (in dollars per share)	0.28
Diluted earnings per common share (in dollars per share)	0.27
Weighted average common shares outstanding (in shares)	31,183,092
Weighted average diluted common shares outstanding (in shares)	31,363,571

MyFinsight

Income Overview

Revenue
$276,730K
Net Income
$8,623K
Net Profit Margin
3.12%
EPS
$0.27
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest-bearing deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$276,730K
Net Income
$8,623K
Net Profit Margin
3.12%
EPS
$0.27
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest-bearing deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$276,730KNet Income$8,623KNet Profit Margin3.12%EPS$0.27Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest-bearing depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$276,730KNet Income$8,623KNet Profit Margin3.12%EPS$0.27Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest-bearing depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$276,730K
Net Income
$8,623K
Net Profit Margin
3.12%
EPS
$0.27
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest-bearing deposits
Salaries and employee benefits
Others

Revenue
$276,730K
Net Income
$8,623K
Net Profit Margin
3.12%
EPS
$0.27
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest-bearing deposits
Salaries and employee benefits
Others